Soi Seven Beer Bar - where now?

[bubblegum]

I'm sure I do not like this at all! How the hell do I get a test for these illnesses? and what would it cost. 

 

 

Thank you for your email.

 

I would like to inform you that WRLife has recently updated its policy wording regarding degenerative diseases, adding new conditions to the coverage list.

 

Under these changes, all degenerative diseases will be covered five years after the start of your policy. To qualify for this coverage, a medical check-up is required. If no signs of degenerative diseases are detected during the waiting period, full coverage will be provided after the five-year mark. Please note that without this medical examination, WRLife will not offer coverage for degenerative diseases.

 

Additionally, WR Life has agreed to our request to implement the updated policy terms and conditions at the time of your policy renewal, rather than in the middle of your current policy year.

 

Notable Additions on Page 5: The updated wording includes several degenerative diseases such as:: Alzheimer's disease (AD), Amyotrophic lateral sclerosis (ALS, Lou Gehrig's disease), Charcot–Marie–Tooth disease (CMT), Chronic traumatic encephalopathy, Cystic fibrosis, Some cytochrome c oxidase deficiencies (often the cause of degenerative Leigh syndrome), Ehlers–Danlos syndrome, Fibrodysplasia ossificans progressive, Friedreich's ataxia, Frontotemporal dementia (FTD), Huntington's disease, Infantile neuroaxonal dystrophy, Keratoconus (KC), Keratoglobus, Leukodystrophies, Macular degeneration (AMD), Marfan's syndrome (MFS), Some mitochondrial myopathies, Mitochondrial DNA depletion syndrome, Mueller–Weiss syndrome, Multiple sclerosis (MS), Multiple system atrophy, Muscular dystrophies (MD), Neuronal ceroid lipofuscinosis, Niemann–Pick diseases, Osteoarthritis, Osteoporosis, Parkinson's disease, Pulmonary arterial hypertension, All prion diseases (Creutzfeldt-Jakob disease, fatal familial insomnia etc.)Progressive supranuclear palsy, Retinitis pigmentosa (RP), Rheumatoid arthritis, Sandhoff Disease, Spinal muscular atrophy (SMA, motor neuron disease), Subacute sclerosing panencephalitis, Substance Use Disorder, Tay–Sachs disease, Vascular dementia (might not itself be neurodegenerative, but often appears alongside other forms of degenerative dementia). Always 5 years waiting period in any case. Please take a moment to review the updated policy wording attached to this email.

 

[brewsterbudgen]

 Pulmonary arterial hypertension, - is this a degenerative disease?  

[Lorry]

That's mostly not degenerative diseases,  but just the opposite,  genetic disorders.

The common denominator: they are expensive

[brewsterbudgen]

It does indeed seem to be a new policy requirement.  They have just told me that as I have been a policy holder since 2022, I can "now do the medical checkup" and send them "your report for degenerative sicknesses coverage".   I only renewed last month and if I hadn't seen this thread, I'd have been none the wiser.

 

Hopefully they can be specific about what needs to be included in the medical report.

[simon43]

Hmm, that's not good.  I'm with WR Life and in good health, but a waiting period of 5 years for existing policy holders???

Edited yesterday at 10:20 AM by simon43

[scubascuba3]

Sounds like they've just woken up to the risk of pre-existing conditions covered sales pitch they used, wasn't it day 1 or 6 months i recall

[bubblegum]

I got the email thru AA insurance.

[jerrymahoney]

16 hours ago, brewsterbudgen said:

 Pulmonary arterial hypertension, - is this a degenerative disease?  

Pulmonary arterial hypertension (PAH) is a rare, progressive disorder characterized by high blood pressure (hypertension) in the arteries of the lungs (pulmonary artery) for no apparent reason. The pulmonary arteries are the blood vessels that carry blood from the right side of the heart through the lungs.

 

https://rarediseases.org/rare-diseases/pulmonary-arterial-hypertension/

 

These are not sudden onset conditions. Maybe they just had too many instances of persons taking out policies with no pre-existing conditions declared and and then, shortly after the prescribed waiting period, voilà there they are.

 

• 08 January 2024 WRLife List of DEGENERATIVE DISEASES

Edited yesterday at 10:38 PM by jerrymahoney

[simon43]

But a 5-year wait is extreme.  I'm healthy now, but I could develop one of these conditions in maybe 4 years from now.  Why should I pay monthly premiums to an insurance company who will deny a claim after 4 years of good health?

 

If I were to change insurers, I can certainly do that without any additional medical exclusions, (I'm only excluded for BPH/UTIs).  But eg Cigna, who are certainly a reputable company, will charge me more than double the monthly premium   😞

Edited 12 hours ago by simon43

[Celsius]

On 10/17/2024 at 5:19 PM, simon43 said:

Hmm, that's not good.  I'm with WR Life and in good health, but a waiting period of 5 years for existing policy holders???

 

After your last insurance refused to pay you 1 baht, you took even more useless insurance? I don't get ...

 

Why not put the insurance premiums in the bank account and use this cash to pay for tests? No stress of being approved, not feeling scammed when they deny your claim.

[jerrymahoney]

Some people have disabilities that gradually develop. These types of disabilities are often called “progressive disabilities.” Common examples of progressive disabilities include muscular dystrophy, multiple sclerosis, Alzheimer's disease, and types of vision and hearing loss that get worse over time.

https://mn.db101.org/mn/situations/newtobenefits/progressive_disability/program.htm

-- It is the nature of these degenerative or progressive illnesses that one can have symptoms of a condition, but it be years before any treatment is required.

-- And in my reviewing of the negative reports on Trustpilot or Google, they almost all involved submitting a claim shortly after the policy was started for a condition not declared as pre-exiting. Edited 2 hours ago by jerrymahoney

[bubblegum]

29 minutes ago, jerrymahoney said:

Some people have disabilities that gradually develop. These types of disabilities are often called “progressive disabilities.” Common examples of progressive disabilities include muscular dystrophy, multiple sclerosis, Alzheimer's disease, and types of vision and hearing loss that get worse over time.

https://mn.db101.org/mn/situations/newtobenefits/progressive_disability/program.htm

-- It is the nature of these degenerative or progressive illnesses that one can have symptoms of a condition, but it be years before any treatment is required.

-- And in my reviewing of the negative reports on Trustpilot or Google, they almost all involved submitting a claim shortly after the policy was started for a condition not declared as pre-exiting.

So? 

[jerrymahoney]

So the circumstance as described above as being in good health for 4 years and then having some onset of the condition in the 5th year is not generally how it would work.

[bubblegum]

Just now, jerrymahoney said:

So the circumstance as described above as being in good health for 4 years and then having some onset of the condition in the 5th year is not generally how it would work.

You get sick when you get sick. Changing existing ! policies like this is hardly trustworthy imo. 

[jerrymahoney]

I don't know the specifics of why this change as of 27 SEP 2024. I will just presume that, under the prior policy wording, there were too many persons claiming for a condition that was already pre-existing at time the policy was initiated but not so declared.